What it does
BP 04 30 adds a Protective Safeguards condition to Section I – Property. The insured must maintain the devices or services listed in the Schedule, identified by symbols: P-1 automatic sprinkler system, P-2 automatic fire alarm reporting to a central or fire alarm station, P-3 security service with hourly rounds when the premises are not operating, P-4 a service contract with a privately owned fire department, and P-9 any other protective system described in the Schedule.
Key provisions
- An exclusion is added for fire loss if, before the fire, the insured knew of a suspension or impairment and did not notify the insurer, or failed to keep a safeguard under its control in complete working order.
- If part of a sprinkler system is shut off because of breakage, leakage, freezing or opened heads, notice is not required when full protection is restored within 48 hours.
- ISO's 2025 program overview also describes the condition that an automatic fire alarm or other automatic system listed must be kept "on" at all times.
Who needs it
Carriers attach it whenever a protection credit was given or a protection system was a condition of acceptance – sprinklered buildings, central-station alarm risks and restaurants required to keep a hood suppression system (typically scheduled as P-9).
Quoting and selling notes
- Read the Schedule with the insured. Systems listed must exist and be maintained; tell clients to notify the carrier of impairments and shut-downs.
- For burglary alarm requirements use BP 06 49, which works the same way for theft.
Related forms
BP 06 49 Burglary and Robbery Protective Safeguards; BP 00 03.
